张先生是某公司的业务主管,月收入5000元,太太在小区的物业管理部门任会计,月收入2000元。张先生的单位离家20华里,一般骑摩托车上班,整天弄得灰头土脸不说,还不安全。晚上张先生要送孩子学琴,星期天回郊县探望父母还要打的或乘公交车,非常不便,所以张先生早就有买车的打算。开年以来,私家车的价位继续大幅跳水,富康、赛欧等8万元左右的经济型轿车越来越多,张先生购车的愿望也越来越迫切。从家庭收入情况来看,张先生房子也买了,手中还有3万元积蓄,所以借助银行贷款完全可以实现家庭轿车梦。但是,他对汽车消费贷款不甚了解,心存许多顾虑:贷款的费用高不高?贷款手续是不是很繁琐?怎样贷款才能少走弯路呢? Mr. Zhang is a company’s business executives, the monthly income of 5,000 yuan, the wife of the property management department in the area as accounting, a monthly income of 2,000 yuan. Mr. Zhang’s unit away from home 20 Huarui, the general riding a motorcycle to work, get off-peak that day did not say, not safe. Mr Cheung at home to send children to learn piano, Sunday back to visit their parents to fight or take the bus to the bus, very inconvenient, so long ago Mr. Zhang had a plan to buy a car. Since the opening year, the price of private cars continued to plunge, more than 80,000 yuan such as Beverly, Sail and more economical cars, Mr. Zhang’s desire to purchase more and more urgent. Income from the family point of view, Mr. Zhang bought the house, there are 30,000 yuan savings in hand, so with a bank loan can achieve family car dream. However, he did not know much about consumer loans and hesitated many concerns: the high cost of loans, the loan procedures are not very cumbersome, and how loans can be detours?